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Don’t wait, accelerate your savings! Experience Altura’s low rates and 100-day payment grace period*.
* Maintain min. daily balance of $2,500 to avoid a monthly fee
Term Share Certificates
Monthly Fee
$0
Minimum Balance to Avoid Monthly Fee
Minimum Opening Deposit
$1,000
Other Features
3- to 60-month terms available.*
50/50 Share Certificates
Monthly Fee
$0
Minimum Balance to Avoid Monthly Fee
Minimum Opening Deposit
$50
Other Features
For Members ages 24 and younger. 50-week term. Minimum $5.00 deposits allowed throughout certificate term.
Types of Savings Accounts
Save for Your Future with Altura
Build a strong financial foundation with Altura Credit Union’s savings accounts. Whether you’re saving for a rainy day, a down payment, or retirement, we have the right account for you.
Key Benefits of Savings Accounts:
Earn Dividends: Grow your savings with competitive interest rates.
Easy Access: Access your funds when you need them.
Financial Security: Build a safety net for unexpected expenses.
Get Started Today
Open a savings account with a low minimum deposit. Our Primary Savings Account requires just $25, and our Side Share Savings Account can be opened with any amount.
Rates Effective Date: May 12, 2025
Account Type
Opening Deposit
Rate
APY^
Regular Share Savings
$25.00+
0.10%
0.10%
Side Share
$0
0.10%
0.10%
^ APY = Annual Percentage Yield.
No minimum balance required to earn dividends.
Earn More with a Money Market Account
Looking for a flexible way to save and invest? A money market account offers the best of both worlds: the convenience of a checking account and the earning potential of an investment account.
Why Choose a Money Market Account?
Earn Higher Dividends: Enjoy competitive interest rates on your savings.
Check-Writing Convenience: Pay bills and make purchases with checks.
Liquidity: Access your funds when you need them.
Altura’s Prestige Money Market Account
Our Prestige Money Market Account offers:
Tiered Dividend Rates: Earn higher interest on larger balances.
Monthly Dividend Payments: See your earnings grow faster.
Check-Writing Privileges: Pay bills and make purchases with ease.
Get Started Today
Open a Prestige Money Market Account with a minimum balance of $2,500 and start earning more on your savings.
Rates Effective Date: May 12, 2025
Balance
Rate
APY^
$0.00 – $9,999.99
1.14%
1.15%
$10,000.00 – $49,999.99
1.24%
1.25%
$50,000.00+
1.54%
1.55%
^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card tr...
^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the dividend rate stated on the current rate sheet. If you have less than ten debit card transactions during the month, your balances will earn the Smart Money Market rate for that month as stated on the current rate sheet. Dividends and fee postings are not considered checking account transactions. Qualifying debit card transactions include signature and PIN-based point of sale. APY= Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. See our Schedule of Fees (AlturaCU.com/disclosures) for additional details. A one-time membership fee applies for non-members. You must maintain a minimum daily balance of $2,500 to avoid a monthly fee.
Looking for a reliable way to grow your savings? Altura Credit Union’s Share Certificates offer a low-risk investment option with competitive returns.
What are Share Certificates?
Similar to Certificates of Deposit (CDs), Share Certificates are a fixed-term investment offered exclusively by credit unions. They’re a great way to save for specific goals, such as a down payment, a child’s education, or retirement.
Key Benefits of Share Certificates:
Fixed Interest Rate: Enjoy a guaranteed rate of return.
Low-Risk Investment: A safe and secure way to grow your savings.
Flexible Terms: Choose from a variety of terms to fit your financial goals.
How It Works:
Choose a Term: Select a term between 3 months and 5 years.
Make a Deposit: Invest a minimum of $1,000.
Earn Dividends: Your investment will earn competitive interest rates.
Important to Note:
Early Withdrawal Penalty: Early withdrawal may result in a penalty.
Fixed Interest Rate: The interest rate is fixed for the duration of the term.
Start Your Savings Journey Today
Open a Share Certificate with Altura Credit Union and watch your money grow.
Rates Effective Date: May 12, 2025
Balance
-
3 Months
6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
$1,000.00 – $99,999.99
Rate/APY^
0.50% / 0.50%
0.55% / 0.55%
0.65% / 0.65%
0.80% / 0.80%
0.85% / 0.85%
1.04% / 1.05%
1.24% /
1.25%
$100,000.00+
Rate/APY
0.60% / 0.60%
0.65% / 0.65%
0.75% / 0.75%
0.90% / 0.90%
0.95% / 0.95%
1.14% / 1.15%
1.34% / 1.35%
^ APY = Annual Percentage Yield
Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).
Altura Credit Union’s 50/50 Share Certificates are a fantastic way to introduce young people to the world of investing. Designed for individuals 24 years old and younger, these certificates offer a low-risk, high-reward opportunity to save for the future.
Key Benefits of 50/50 Share Certificates:
Low Minimum Deposit: Start saving with just $50.
Short-Term Investment: A 50-week term for quick returns.
Fixed Interest Rate: Consistent earnings on your investment.
Financial Education: A great way to teach young people about saving and investing.
Start Your Child’s Financial Journey Today
Open a 50/50 Share Certificate for your child and help them develop healthy financial habits.
Rates Effective Date: May 12, 2025
Balance
-
50/50^^
$1,000.00 – $99,999.99
Rate/APY^
0.70% / 0.70%
$100,000.00+
Rate/APY
0.80% / 0.80%
^ APY = Annual Percentage Yield.
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be ...
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.
Build a strong financial foundation with Altura Credit Union’s savings accounts. Whether you’re saving for a rainy day, a down payment, or retirement, we have the right account for you.
Key Benefits of Savings Accounts:
Earn Dividends: Grow your savings with competitive interest rates.
Easy Access: Access your funds when you need them.
Financial Security: Build a safety net for unexpected expenses.
Get Started Today
Open a savings account with a low minimum deposit. Our Primary Savings Account requires just $25, and our Side Share Savings Account can be opened with any amount.
Rates Effective Date: May 12, 2025
Account Type
Opening Deposit
Rate
APY^
Regular Share Savings
$25.00+
0.10%
0.10%
Side Share
$0
0.10%
0.10%
^ APY = Annual Percentage Yield.
No minimum balance required to earn dividends.
Earn More with a Money Market Account
Looking for a flexible way to save and invest? A money market account offers the best of both worlds: the convenience of a checking account and the earning potential of an investment account.
Why Choose a Money Market Account?
Earn Higher Dividends: Enjoy competitive interest rates on your savings.
Check-Writing Convenience: Pay bills and make purchases with checks.
Liquidity: Access your funds when you need them.
Altura’s Prestige Money Market Account
Our Prestige Money Market Account offers:
Tiered Dividend Rates: Earn higher interest on larger balances.
Monthly Dividend Payments: See your earnings grow faster.
Check-Writing Privileges: Pay bills and make purchases with ease.
Get Started Today
Open a Prestige Money Market Account with a minimum balance of $2,500 and start earning more on your savings.
Rates Effective Date: May 12, 2025
Balance
Rate
APY^
$0.00 – $9,999.99
1.14%
1.15%
$10,000.00 – $49,999.99
1.24%
1.25%
$50,000.00+
1.54%
1.55%
^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card tr...
^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the dividend rate stated on the current rate sheet. If you have less than ten debit card transactions during the month, your balances will earn the Smart Money Market rate for that month as stated on the current rate sheet. Dividends and fee postings are not considered checking account transactions. Qualifying debit card transactions include signature and PIN-based point of sale. APY= Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. See our Schedule of Fees (AlturaCU.com/disclosures) for additional details. A one-time membership fee applies for non-members. You must maintain a minimum daily balance of $2,500 to avoid a monthly fee.
Looking for a reliable way to grow your savings? Altura Credit Union’s Share Certificates offer a low-risk investment option with competitive returns.
What are Share Certificates?
Similar to Certificates of Deposit (CDs), Share Certificates are a fixed-term investment offered exclusively by credit unions. They’re a great way to save for specific goals, such as a down payment, a child’s education, or retirement.
Key Benefits of Share Certificates:
Fixed Interest Rate: Enjoy a guaranteed rate of return.
Low-Risk Investment: A safe and secure way to grow your savings.
Flexible Terms: Choose from a variety of terms to fit your financial goals.
How It Works:
Choose a Term: Select a term between 3 months and 5 years.
Make a Deposit: Invest a minimum of $1,000.
Earn Dividends: Your investment will earn competitive interest rates.
Important to Note:
Early Withdrawal Penalty: Early withdrawal may result in a penalty.
Fixed Interest Rate: The interest rate is fixed for the duration of the term.
Start Your Savings Journey Today
Open a Share Certificate with Altura Credit Union and watch your money grow.
Rates Effective Date: May 12, 2025
Balance
-
3 Months
6 Months
12 Months
24 Months
36 Months
48 Months
60 Months
$1,000.00 – $99,999.99
Rate/APY^
0.50% / 0.50%
0.55% / 0.55%
0.65% / 0.65%
0.80% / 0.80%
0.85% / 0.85%
1.04% / 1.05%
1.24% /
1.25%
$100,000.00+
Rate/APY
0.60% / 0.60%
0.65% / 0.65%
0.75% / 0.75%
0.90% / 0.90%
0.95% / 0.95%
1.14% / 1.15%
1.34% / 1.35%
^ APY = Annual Percentage Yield
Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).
Altura Credit Union’s 50/50 Share Certificates are a fantastic way to introduce young people to the world of investing. Designed for individuals 24 years old and younger, these certificates offer a low-risk, high-reward opportunity to save for the future.
Key Benefits of 50/50 Share Certificates:
Low Minimum Deposit: Start saving with just $50.
Short-Term Investment: A 50-week term for quick returns.
Fixed Interest Rate: Consistent earnings on your investment.
Financial Education: A great way to teach young people about saving and investing.
Start Your Child’s Financial Journey Today
Open a 50/50 Share Certificate for your child and help them develop healthy financial habits.
Rates Effective Date: May 12, 2025
Balance
-
50/50^^
$1,000.00 – $99,999.99
Rate/APY^
0.70% / 0.70%
$100,000.00+
Rate/APY
0.80% / 0.80%
^ APY = Annual Percentage Yield.
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be ...
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.
With Altura’s Online Banking e-Statements, you will receive your statement much quicker than it would by mail. When you enroll in our Online Banking, you will be automatically opted into our e-statements.
e-Alerts
Being aware of your account activity is vital for managing your finances. With Altura’s e-Alerts, account activity alerts will be sent to your mobile phone or email the same day it happens. There is no monthly fee for e-alerts. Our E-Alerts include:
MoneyTalks
Giving members access to all their account balances 24-hours a day, for whenever you need it. Call 888-883-7228.
When it comes to planning for a financially stable and successful future, money management is key. From setting goals to building a budget, we want to share some simple steps to lead you on the right path. Learn more by listening to our podcast on money management!
With a savings account, you earn interest on your money simply for keeping it there. Altura lends the money in your account out to other credit union members. The longer you keep your money in a savings account and the more money you have in the account, the more interest you’ll earn.
How Many Savings Account Withdrawals Can I Make?
Your savings account is supposed to function just as its name implies: as a way to save money. Because of this, you are limited to making only six withdrawals each month. You are also restricted with the kinds of withdrawals you can make. Examples of acceptable withdrawals include:
Debit card transactions
Wire transfers
Electronic funds transfers
ACH transfers
Overdraft transfers
What Happens If I Exceed My Savings Account Withdrawal Limits?
If you’ve gone over your withdrawal limit a couple of times, your bank may charge you an extra fee. They might also prevent you from completing the excessive transactions. But the consequences will be even more severe if you make a habit of going over your withdrawal limit. The bank will either change your savings account into a checking account or close your savings account.
There are risks with all investments. However, money market accounts are a fairly safe option for investing that carries a low risk for the investor. Plus, your accounts are federally insured by The National Credit Union Administration (NCUA) up to $250,000.
Is a Money Market Account or CD Better?
The best investment for your money is largely personal preference. If you’re looking for an investment that gives you more immediate access to your funds, a money market is the best option for you. As long as you don’t go over your transaction limit, you can withdraw from or deposit money into your account with ease.
You won’t have this same luxury with a CD. Once your money is in a CD, it’s there until the term is up. If you’re willing to part with your money long-term (two years or more), you’ll make a sizable return on a CD investment. But if you don’t want to invest for that long, a money market will usually offer you a better interest rate than a CD with a shorter term.
Can I Withdraw My Money from a Share Certificate Early?
Once your money is in a share certificate, you are committing not to use it for the length of your term. Thus, if you decide you want to withdraw your investment early, you will be penalized. The price of your penalty will depend on the length of the term.
Is a Share Certificate a Safe Investment?
Share certificates, just like any kind of investment, do carry some risk to the investor. However, they are very safe and, thus, they are usually considered one of the best investments you can make. They are insured by the National Credit Union Share Insurance Fund for up to $250,000.
What is the Difference Between a Certificate of Deposit (CDs) and a Share Certificate?
They are actually the same kind of investment. The difference is that a bank can issue CDs, while only a credit union can offer share certificates. Because of this, these investments are also insured by different organizations. While certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC), share certificates are insured by the National Credit Union Share Insurance Fund (NCUSIF).
